Key points
- HAF grant closed April 2, 2026
- State rehabilitation financing may include roofs
- County critical-repair eligibility must be confirmed
- Licensed, insured contractor proposals may be required
The statewide HAF grant is closed
Maryland DHCD states that applications for the HAF WholeHome Critical Home Repairs Grant closed April 2, 2026 after available funding was used. Older announcements or application links should not be treated as an open grant.
Maryland rehabilitation financing includes roof work
The Maryland Housing Rehabilitation Program lists roof repair, roof replacement, and gutters among addressable items for eligible owner-occupied homes. It is financing rather than a blanket free-roof grant; income, property, underwriting, funding, documentation, and program terms apply.
Ask Charles County about the separate critical-repair initiative
Charles County announced a first-come program for eligible low-income owner-occupants in April 2026. Its public examples focus on health and safety work and do not specifically list roofs. Ask the Housing Authority Division whether the program is still funded and whether the documented roof condition qualifies before relying on it.
Prepare a proposal without signing prematurely
A program may request photographs, ownership or income records, and a proposal from a licensed and insured contractor. Tell the roofer that the estimate is for an assistance application, require an itemized scope, and do not sign a construction contract or pay a deposit merely to obtain a proposal unless the program and contractor terms are clear.
Questions homeowners ask
Is the Maryland HAF roof-repair grant open?+
No. Maryland DHCD's current program page says applications closed April 2, 2026 because all available funding was used.
Does Charles County currently guarantee roof-repair grants?+
No. The county announced first-come critical-repair funding, but its public examples do not specifically promise roof eligibility and funding can change. Confirm directly with the county.
Can Maryland rehabilitation financing pay for a roof?+
Maryland's program page lists roof repair and replacement among addressable items for eligible properties and applicants, subject to current program terms and funding.
Do I need a roofing estimate before asking for assistance?+
Some programs require a work proposal and documentation. Ask the program what it requires before paying, signing, or authorizing construction.